A few venture capital institutions monopolize the opportunity to invest in outstanding innovative enterprises, and ordinary investors do not have the opportunity to change the world while obtaining rapid wealth growth. So much so that there is an unfair distribution of wealth in society, and even more so that a large amount of money is left unused and liquidity is wasted. On the other hand, technology iteration and market changes have shortened the growth cycle of innovative enterprises, resulting in the financing needs of today's innovative enterprises being more urgent and larger than ever. Instead, the financial industry, securities industry and venture capital support for innovative enterprises is generally inefficient. Commercial banks are more inclined to lend to large commercial organizations than to emerging companies. Traditional investment bank financing programs are inefficient and cumbersome to execute and do not serve early stage companies. Venture capital institutions are limited in size and affordability and are unable to meet the current financing needs of innovative firms, which are fast, volatile, long-lead-time and low-cost. The financing needs of innovative enterprises are not being met.